How to Check Your Account Balance
Overview
Keeping track of your account balance is one of the most important aspects of managing your finances. Whether you need to verify available funds before making a purchase, confirm that a deposit has cleared, or simply stay on top of your spending, we provide multiple convenient channels for checking your balance at any time.
Available Channels
You can check your account balance through any of the following channels:
- Online Banking Portal -Log in at our website to view real-time balances, recent transactions, and pending activity across all your accounts.
- Mobile Banking App -Download our app for iOS or Android to check balances on the go. Biometric login is supported for quick and secure access.
- ATM -Insert or tap your debit card at any of our ATMs and select "Balance Inquiry" from the menu. Partner ATM networks are also supported.
- Phone Banking -Call our automated phone banking line and follow the prompts to hear your current and available balances read aloud.
- Customer Service -Speak with a representative during Mon-Fri 9:00 AM - 5:00 PM AEST for assistance with balance inquiries or account questions.
Understanding Your Balances
When reviewing your account, you will see two key figures:
- Current Balance -This reflects all transactions that have been fully posted to your account, including deposits, withdrawals, and transfers.
- Available Balance -This is the amount you can actually spend or withdraw right now. It accounts for pending transactions, merchant holds, and any overdraft protection limits. Your available balance may be lower than your current balance if transactions are still processing.
Most pending transactions clear within 1 to 3 business days. Cheque deposits may take up to 5 business days to fully clear depending on the issuing institution.
Frequently Asked Questions
Q: Why does my available balance differ from my current balance?
Pending transactions, merchant pre-authorisation holds, or recent deposits that have not yet cleared can cause a temporary difference between the two balances. Once all pending items are processed, the balances will align.
Q: How often is my balance updated?
Your balance is updated in real time for most digital transactions. Batch-processed items such as cheques or scheduled transfers are typically updated overnight.
Q: Can I set up balance alerts?
Yes. Through online banking or the mobile app, you can configure alerts to notify you when your balance drops below a threshold you choose, when deposits are received, or when large transactions occur.
Important Information
Your account information is protected under regulations enforced by Australian Prudential Regulation Authority (APRA). Deposits are safeguarded by Financial Claims Scheme (FCS). For unresolved concerns, contact Australian Financial Complaints Authority (AFCA).
Need Help?
Our support team is available during Mon-Fri 9:00 AM - 5:00 PM AEST. For urgent matters outside business hours, please call our 24/7 line at 13 22 21.